Loads of residential centres are closed. No staff.
Without the staff, there is nobody to refund or say there isn't a refund.
The Tour companies and airlines that are open (and haven't gone bust like Shearings) aren't processing refunds quickly or are trying to get people to accept credits instead.
Without the refund or confirmation, there isn't enough documentation/evidence for the insurance companies to finalise a claim.
Without the insurance companies (who are rammed to the hilt at the best of times, never mind when absolutely EVERYBODY is making a claim) finalising the claim, there is no payment.
Without the payment, the school can't make a payment. Because schools don't have thirty grand down the back of the photocopier.
Hounding people who are working from home and demanding refunds/that they get in touch with the insurance and demand a payment/that they make complaints (which are pointless) to companies that aren't even open is pointless, if anybody is thinking of doing that.
It's shit. But it's not deliberate on the part of the schools. It's not even deliberate on the part of the insurance. It can be deliberate on the part of the tour operators/airlines, but not always.
You are just going to have to wait and hope for the best.